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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.54
FBIZ's Cash to Debt is ranked higher than
52% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FBIZ: 1.54 )
Ranked among companies with meaningful Cash to Debt only.
FBIZ' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.31 Max: N/A
Current: 1.54
Equity to Asset 0.09
FBIZ's Equity to Asset is ranked lower than
58% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBIZ: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FBIZ' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.06 Max: 0.09
Current: 0.09
0.05
0.09
Interest Coverage 1.83
FBIZ's Interest Coverage is ranked higher than
54% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FBIZ: 1.83 )
Ranked among companies with meaningful Interest Coverage only.
FBIZ' s 10-Year Interest Coverage Range
Min: 0.06  Med: 0.38 Max: 1.83
Current: 1.83
0.06
1.83
F-Score: 5
WACC vs ROIC
11.11%
29.39%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 34.03
FBIZ's Operating margin (%) is ranked higher than
60% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FBIZ: 34.03 )
Ranked among companies with meaningful Operating margin (%) only.
FBIZ' s 10-Year Operating margin (%) Range
Min: -291.34  Med: 23.97 Max: 41.81
Current: 34.03
-291.34
41.81
Net-margin (%) 22.89
FBIZ's Net-margin (%) is ranked higher than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FBIZ: 22.89 )
Ranked among companies with meaningful Net-margin (%) only.
FBIZ' s 10-Year Net-margin (%) Range
Min: -5.18  Med: 19.49 Max: 27.19
Current: 22.89
-5.18
27.19
ROE (%) 11.45
FBIZ's ROE (%) is ranked higher than
69% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FBIZ: 11.45 )
Ranked among companies with meaningful ROE (%) only.
FBIZ' s 10-Year ROE (%) Range
Min: -0.89  Med: 10.90 Max: 17.58
Current: 11.45
-0.89
17.58
ROA (%) 0.99
FBIZ's ROA (%) is ranked higher than
60% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FBIZ: 0.99 )
Ranked among companies with meaningful ROA (%) only.
FBIZ' s 10-Year ROA (%) Range
Min: -0.04  Med: 0.72 Max: 1.1
Current: 0.99
-0.04
1.1
Revenue Growth (3Y)(%) -5.70
FBIZ's Revenue Growth (3Y)(%) is ranked lower than
80% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FBIZ: -5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBIZ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.7  Med: 10.10 Max: 72.6
Current: -5.7
-5.7
72.6
EBITDA Growth (3Y)(%) 0.80
FBIZ's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FBIZ: 0.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBIZ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -4.40 Max: 82.1
Current: 0.8
0
82.1
EPS Growth (3Y)(%) 1.40
FBIZ's EPS Growth (3Y)(%) is ranked lower than
70% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FBIZ: 1.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBIZ' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.6  Med: -3.15 Max: 111.2
Current: 1.4
-34.6
111.2
» FBIZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

FBIZ Guru Trades in Q3 2014

Scott Black 8,420 sh (+91.58%)
Jim Simons 40,300 sh (+40.42%)
» More
Q4 2014

FBIZ Guru Trades in Q4 2014

Jim Simons 53,600 sh (+33.00%)
Scott Black Sold Out
» More
Q1 2015

FBIZ Guru Trades in Q1 2015

Jim Simons 53,100 sh (-0.93%)
» More
Q2 2015

FBIZ Guru Trades in Q2 2015

Scott Black 5,588 sh (New)
Jim Simons 67,374 sh (+26.88%)
» More
» Details

Insider Trades

Latest Guru Trades with FBIZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.33
FBIZ's P/E(ttm) is ranked higher than
56% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FBIZ: 12.33 )
Ranked among companies with meaningful P/E(ttm) only.
FBIZ' s 10-Year P/E(ttm) Range
Min: 4.86  Med: 12.66 Max: 80.16
Current: 12.33
4.86
80.16
Forward P/E 5.38
FBIZ's Forward P/E is ranked higher than
94% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FBIZ: 5.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.40
FBIZ's PE(NRI) is ranked higher than
56% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FBIZ: 12.40 )
Ranked among companies with meaningful PE(NRI) only.
FBIZ' s 10-Year PE(NRI) Range
Min: 4.75  Med: 12.59 Max: 84.17
Current: 12.4
4.75
84.17
P/B 1.36
FBIZ's P/B is ranked lower than
69% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FBIZ: 1.36 )
Ranked among companies with meaningful P/B only.
FBIZ' s 10-Year P/B Range
Min: 0.4  Med: 0.92 Max: 1.7
Current: 1.36
0.4
1.7
P/S 2.77
FBIZ's P/S is ranked higher than
53% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FBIZ: 2.77 )
Ranked among companies with meaningful P/S only.
FBIZ' s 10-Year P/S Range
Min: 0.59  Med: 1.51 Max: 3.69
Current: 2.77
0.59
3.69
PFCF 14.70
FBIZ's PFCF is ranked lower than
67% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FBIZ: 14.70 )
Ranked among companies with meaningful PFCF only.
FBIZ' s 10-Year PFCF Range
Min: 2.32  Med: 6.25 Max: 290.63
Current: 14.7
2.32
290.63
POCF 11.66
FBIZ's POCF is ranked lower than
63% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FBIZ: 11.66 )
Ranked among companies with meaningful POCF only.
FBIZ' s 10-Year POCF Range
Min: 2.27  Med: 5.67 Max: 96.88
Current: 11.66
2.27
96.88
EV-to-EBIT 7.19
FBIZ's EV-to-EBIT is ranked lower than
58% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FBIZ: 7.19 )
Ranked among companies with meaningful EV-to-EBIT only.
FBIZ' s 10-Year EV-to-EBIT Range
Min: -12.2  Med: 6.00 Max: 24.3
Current: 7.19
-12.2
24.3
PEG 0.30
FBIZ's PEG is ranked higher than
88% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FBIZ: 0.30 )
Ranked among companies with meaningful PEG only.
FBIZ' s 10-Year PEG Range
Min: 0.18  Med: 0.28 Max: 0.8
Current: 0.3
0.18
0.8
Shiller P/E 16.17
FBIZ's Shiller P/E is ranked higher than
50% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FBIZ: 16.17 )
Ranked among companies with meaningful Shiller P/E only.
FBIZ' s 10-Year Shiller P/E Range
Min: 3.54  Med: 14.53 Max: 22.13
Current: 16.17
3.54
22.13
Days Sales Outstanding 135.67
FBIZ's Days Sales Outstanding is ranked lower than
82% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. FBIZ: 135.67 )
Ranked among companies with meaningful Days Sales Outstanding only.
FBIZ' s 10-Year Days Sales Outstanding Range
Min: 23.33  Med: 105.69 Max: 194.6
Current: 135.67
23.33
194.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.93
FBIZ's Dividend Yield is ranked lower than
68% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FBIZ: 1.93 )
Ranked among companies with meaningful Dividend Yield only.
FBIZ' s 10-Year Dividend Yield Range
Min: 0.25  Med: 1.56 Max: 3.29
Current: 1.93
0.25
3.29
Dividend Payout 0.24
FBIZ's Dividend Payout is ranked higher than
68% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FBIZ: 0.24 )
Ranked among companies with meaningful Dividend Payout only.
FBIZ' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.17 Max: 1.52
Current: 0.24
0.07
1.52
Dividend growth (3y) 44.20
FBIZ's Dividend growth (3y) is ranked higher than
91% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBIZ: 44.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
FBIZ' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 67.1
Current: 44.2
0
67.1
Yield on cost (5-Year) 5.70
FBIZ's Yield on cost (5-Year) is ranked lower than
55% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FBIZ: 5.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBIZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.74  Med: 4.61 Max: 9.72
Current: 5.7
0.74
9.72
Share Buyback Rate -16.30
FBIZ's Share Buyback Rate is ranked lower than
84% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FBIZ: -16.30 )
Ranked among companies with meaningful Share Buyback Rate only.
FBIZ' s 10-Year Share Buyback Rate Range
Min: 0.6  Med: -2.10 Max: -16.3
Current: -16.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
FBIZ's Price/Tangible Book is ranked lower than
67% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FBIZ: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
FBIZ' s 10-Year Price/Tangible Book Range
Min: 0.42  Med: 0.91 Max: 1.66
Current: 1.48
0.42
1.66
Price/Projected FCF 0.81
FBIZ's Price/Projected FCF is ranked lower than
64% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FBIZ: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
FBIZ' s 10-Year Price/Projected FCF Range
Min: 0.13  Med: 0.35 Max: 0.92
Current: 0.81
0.13
0.92
Price/Median PS Value 1.85
FBIZ's Price/Median PS Value is ranked lower than
94% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FBIZ: 1.85 )
Ranked among companies with meaningful Price/Median PS Value only.
FBIZ' s 10-Year Price/Median PS Value Range
Min: 0.4  Med: 1.00 Max: 2.41
Current: 1.85
0.4
2.41
Price/Peter Lynch Fair Value 0.50
FBIZ's Price/Peter Lynch Fair Value is ranked higher than
83% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FBIZ: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FBIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.24  Med: 0.42 Max: 3.42
Current: 0.5
0.24
3.42
Price/Graham Number 0.91
FBIZ's Price/Graham Number is ranked lower than
55% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FBIZ: 0.91 )
Ranked among companies with meaningful Price/Graham Number only.
FBIZ' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 0.73 Max: 1.19
Current: 0.91
0.39
1.19
Earnings Yield (Greenblatt) (%) 13.89
FBIZ's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FBIZ: 13.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBIZ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.1  Med: 15.00 Max: 700.9
Current: 13.89
4.1
700.9
Forward Rate of Return (Yacktman) (%) 35.54
FBIZ's Forward Rate of Return (Yacktman) (%) is ranked higher than
81% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FBIZ: 35.54 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBIZ' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.7  Med: 42.20 Max: 80.4
Current: 35.54
-3.7
80.4

Analyst Estimate

Dec15 Dec16
EPS($) 3.81 4.20
EPS without NRI($) 3.81 4.20

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Business Financial Services Inc was incorporated in 1986 under the laws of the State of Wisconsin. The Company is engaged in the commercial banking business through its two wholly-owned bank subsidiaries, First Business Bank "FBB", headquartered in Madison, Wisconsin, and First Business Bank-Milwaukee "FBB-Milwaukee". Its operations are conducted through the banks and certain subsidiaries of First Business Bank. It operates as business banks focusing on delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, and services tailored to meet the specific needs of small- and medium-sized businesses, business owners, executives, professionals and high net worth individuals. The Company offers businesses such as; commercial lending, asset-based financing, equipment financing, treasury management services, and trust and investment services. FBBs product lines include commercial loans, commercial real estate loans, equipment loans and leases and treasury management services. It offers a variety of deposit accounts and personal loans to business owners, executives, professionals and net worth individuals. It also offers trust and investment services through First Business Trust & Investments, a division of FBB. The Company competes with banks, savings institutions, mortgage banking companies, credit unions, finance companies, equipment finance companies, mutual funds, insurance companies, brokerage firms and investment banking firms.
» More Articles for FBIZ

Headlines

Articles On GuruFocus.com
comment on FBIZ Apr 03 2012 
First Business Financial Services Inc. (FBIZ) CEO David J Vetta buys 1,000 Shares Mar 18 2011 
First Business Financial Services Inc. Reports Operating Results (10-Q) Nov 02 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) Jul 30 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) May 01 2009 

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